Based on the powers vested to SAMA under the relevant regulations, laws, and instructions, and based on SAMA's role in protecting the rights of clients of financial institutions under its supervision, and in order to ensure the safety of the real estate finance sector and achieve financial stability, real estate financiers must adhere to the following when granting financing under the 'Self-Build' product for retail mortgage finance:

1. Determine the total value of construction payments "financing amount" at the beginning of the contract, and link the payments to specific completion percentages in a single financing contract.
2. Reflect the total financing amount in the customer’s credit record at the beginning of the contract, specifying the actual amount granted to the customer in the same record.
3. Ensure that administrative fees charged by the financing entity to the beneficiary do not exceed (1%) of the financing amount or SAR 5,000 (whichever is less), in accordance with the instructions issued by SAMA, including those issued under Circular No. 361000091211 dated 30/06/1436H.
4. Disburse the specified payment amount within (15) days from the date of the customer's request, provided that the client has met the completion percentages required for each payment as per the contract.

To take note and action accordingly within a period not exceeding (30) days from its date. Additionally, real estate financiers must take all necessary measures to apply the provisions of this circular to existing financing contracts under the 'Self-Build' real mortgage finance.